This paper reports the fanners' perception of the 'difficUltiesin obtaining agricultural loans from Agricultural Development Bank of Pakistan (ADBP). The credit facilities provided by the bank are likely to be effective only if these are available to the loanees according to the procedure -as prescribed by the bank and without causing much inconvenienc;c to them. It is generally thought that the fanners usually face a number of obstacles in obtaining agricultural credit. A great majority of the respondents regarded the loaning procedure either difficult or very difficult. The major difficuities faced by the loanees were illegal demands by 'Patwaris', overcharging for the completion of pass book and complicated and lengthy loan ,granting procedure of the bank. Key words: ADBP. agricultural credit, loaning procedure, obstacles
